18112 Harbor Mist Rd, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 18112 Harbor Mist Rd, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,496 sqft · built 2001
Lot Size	0.218 acres (9,516 sqft)
Owner	Individual Name on File
Last Sale	$246,500 (Mar 2016)
Tax Bill	$4,035 (2023)
Deeds & Mortgages	Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`003-196-19`

Property Details

APN / Parcel Number

Primary APN	`003-196-19`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,496 sqft Heated Area
Gross Area	2,988 sqft
1st Floor Area	1,236 sqft
Upper Floors Area	1,260 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	9,516 sqft (0.218 acres)
Garage Area	380 sqft
Porch	Porch
Porch Area	112 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	003-196-19
Street Address	18112 HARBOR MIST RD
City	CORNELIUS
State	NC
Zip	28031-6010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Description	L153 M35-559
Legal Subdivision	VICTORIA BAY PH I MAP 02
Legal Lot Number	153
Jurisdiction	MECKLENBURG NC
Township / Civil Division	9, DEWEESE
Census Block Group	2
Census Block	2027
Census Tract	6408

Owner

Source: Mecklenburg County records, as of May 24, 2023

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	18112 HARBOR MIST RD, CORNELIUS, NC 28031-6010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2016 · Amount on File
Deed Sale	Mar 11, 2016 · Amount on File
Prior Sale	Mar 30, 2005 · Amount on File
Deed Document Number	0030653489
Deed Book / Page	30653 / 489
Record Updated	Jun 7, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18112 HARBOR MIST RD, CORNELIUS, NC 28031-6010
Document Number	0000157692
Book / Page	032290 / 000182
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 29, 2017
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	18112 HARBOR MIST RD CORNELIUS NC 280316010, CORNELIUS, NC 28031-6010

Mortgage

Document Number	0000157692
Date	Nov 21, 2017
Book Page	032290/000182
Instrument	157692

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2047

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Cornelius Town
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Flood

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20